Not really a two-year health statement?

This story is a "double-edged sword."

That insurance people have to be very careful

But Nan doesn't recommend it at all

Don't want to hope when claiming

Let's look at the legal matters first.

According to the Code of Commerce

Section 865 states that if the insured conceals the actual message,

The insurer has the right to clear the contract within two years.

Since the contract date

• If detected within 2 years: The company has the right to cancel the policy, return the allowance (part) and not pay the claim.

• If more than 2 years have passed: The company has "exhausted" the contract for concealing information.

But in fact, the point that people often misunderstand

Which doesn't work well. Maybe it'll make us pay our allowance for free.

Even the company couldn't clear the contract after two years.

But it has a condition called "Pre-existing Conditions."

(Diseases that are before insurance)

A disease that is chronic and has not yet recovered.

If the disease is a clear disease,

Or a long time ago.

For example, a prolonged cancer or a genetic disease.

Even after 2 years, the company might

Deny paying that disease-specific claim.

But it also continues to provide coverage for other diseases.

Because it is considered that insurance will not cover illness.

That happened before the contract.

First claim after year 2

If we cover it up and claim it for the first time in year 3,

With the same disease that used to be, the company will do

Instantly tracing the history

If you find clear evidence of a cover-up,

He may not say clear the contract (because he can't do it anymore).

But he won't pay that claim on the grounds of a preexisting disease.

Not making a statement of truth is to

"Time bomb" for yourself.

Even if the company can't cancel the contract after two years.

But he has a "no pay" right.

In what was before the insurance.

And finally, the customer lost their advantage.

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